Multi-use resource interaction projection system

ABSTRACT

Embodiments of the present invention provide a system for projecting an interaction machine interface used for performing interactions onto a user device. The system is typically configured for receiving a trigger from a user device to access an interaction machine via a projection application, in response to receiving the trigger, authenticate the user device via a customized authentication method, determine that the authentication is successful and establish a communication link between the interaction machine and the user device, transmit control signals, via the projection application, to the user device to project the interaction machine display onto the user device, receive an interaction request from the user device via the interaction machine display and the projection application, and process the interaction request received from the user device.

BACKGROUND

Present conventional systems do not allow users to perform interactionsassociated with distribution of resources on user devices. Typically, toperform interactions, a user has to go to a computer terminal providedby an entity and initiate the interactions associated with distributionof resources. Therefore there exists a need for a system to allow theusers to perform interactions on user devices.

SUMMARY

The following presents a simplified summary of the present disclosure inorder to provide a basic understanding of some aspects of the invention.This summary is not an extensive overview of the invention. It is notintended to identify key or critical elements of the invention or todelineate the scope of the invention. The following summary merelypresents some concepts of the invention in a simplified form as aprelude to the more detailed description provided below.

Embodiments of the present invention address the above needs and/orachieve other advantages by providing apparatuses (e.g., a system, acomputer program product comprising computer program code stored on anon-transitory computer-readable medium which is readable by a computer,and/or other devices) and computer implemented methods for projecting aninteraction machine interface used for performing interactions onto auser device, the system comprising a computer apparatus including aprocessor and a memory; and a module stored in the memory, comprisingexecutable instructions that when executed by the processor cause theprocessor a computer apparatus including a processor and a memory; and amodule stored in the memory, comprising executable instructions thatwhen executed by the processor cause the processor to receive a triggerfrom a user device of a user to access an interaction machine via aprojection application, in response to receiving the trigger,authenticate the user device via a customized authentication method, inresponse to successful authentication, establish a communication linkbetween the interaction machine and the user device, transmit controlsignals to the user device, via the projection application, to projectinteraction machine display onto the user device, wherein theinteraction machine display comprises one or more options to performinteractions, wherein the one or more options are displayed based oncustomizations saved in a user profile, receive an interaction requestfrom the user device via the interaction machine display and theprojection application, and process the interaction request receivedfrom the user device.

In some embodiments, the interaction machine is a dummy interactionmachine, wherein the dummy interaction machine is accessed by aplurality of users simultaneously.

In some embodiments, the one or more processing devices are configuredto execute the computer readable code to receive the customizationsassociated with display of the one or more options on the interactionmachine display from the user device and store the customizationsassociated with display of the one or more options in the user profileassociated with the user.

In some embodiments, the interaction request is associated with transferof resources.

In some embodiments, the interaction request associated with withdrawalof resources.

In some embodiments, the one or more processing devices are configuredto execute the computer readable code to receive a pick-up locationassociated with the withdrawal of resources, wherein the pick-uplocation is associated with the interaction machine or a third partyentity device.

In some embodiments, the interaction machine is an Automated TellerMachine.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described some embodiments of the present invention ingeneral terms, reference will now be made to the accompanying drawings,where:

FIG. 1 presents a projection system environment, in accordance with oneembodiments of the present invention;

FIG. 2, presents a block diagram illustrating a mobile device of a userillustrated in FIG. 1, in accordance with embodiments of the presentinvention;

FIG. 3 presents a block diagram illustrating a computing device of auser illustrated in FIG. 1, in accordance with embodiments of thepresent invention;

FIG. 4 presents a block diagram illustrating the entity system(s) ofFIG. 1, in accordance with embodiments of the present invention;

FIG. 5 presents a block diagram illustrating the projection system ofFIG. 1, in accordance with embodiments of the present invention; and

FIG. 6 presents a process flow for projecting an interaction machineinterface onto a user device to facilitate processing of one or moreinteractions via the mobile device, in accordance with embodiments ofthe present invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Where possible, any terms expressed in the singularform herein are meant to also include the plural form and vice versa,unless explicitly stated otherwise. Also, as used herein, the term “a”and/or “an” shall mean “one or more,” even though the phrase “one ormore” is also used herein. Furthermore, when it is said herein thatsomething is “based on” something else, it may be based on one or moreother things as well. In other words, unless expressly indicatedotherwise, as used herein “based on” means “based at least in part on”or “based at least partially on.” Like numbers refer to like elementsthroughout.

In accordance with embodiments of the invention, the terms “entity” mayinclude any organization that processes financial transactionsincluding, but not limited to, banks, credit unions, savings and loanassociations, investment companies, stock brokerages, asset managementfirms, insurance companies and the like. Furthermore, embodiments of thepresent invention use the term “user” or “customer.” It will beappreciated by someone with ordinary skill in the art that the user orcustomer may be a customer of the financial institution or a potentialcustomer of the financial institution or an employee of the financialinstitution. In accordance with embodiments of the invention, the terms“third party system” and “other third party systems” may include anyorganizations including, but not limited to, any retail organizations,or any other entities that offer products and services to customers,and/or the like.

In accordance with embodiments of the invention, a “resource pool” or an“account” is the relationship that a customer has with an entity, suchas a financial institution. Examples of accounts include a depositaccount, such as a transactional account (e.g., a banking account), asavings account, an investment account, a money market account, a timedeposit, a demand deposit, a pre-paid account, a credit account, adebit/deposit account, a non-monetary user profile that includesinformation associated with the user, or the like. The account isassociated with and/or maintained by the entity. In accordance withembodiments of the present invention, an “interaction terminal” or“interaction machine” is an Automated Teller Machine (ATM) used toperform interactions. In accordance with embodiments of the presentinvention, a “dummy interaction machine” may be any remote AutomatedTeller Machine that can be accessed by any number of userssimultaneously to perform interactions.

In accordance with embodiments of the invention, an “interaction” may bea transaction, transfer of funds, transfer of resources, and may referto any activities or communication between a user and an entity, betweenan entity and a third party system, activities or communication betweenmultiple entities, communication between technology application and thelike. Transfer of resources may refer to a payment, processing of funds,international transfer of funds, payment transaction, a credittransaction, or other interactions involving user's resource or account.Unless specifically limited by the context, a “transaction”, a “transferof funds”, a “record” may refer to any activity initiated between a userand a resource entity or a third party system, or any combinationthereof. Typical financial transactions, in the present inventioninclude any type of automated teller machine (ATM) transactions.

Many of the example embodiments and implementations described hereincontemplate interactions engaged in by a user with a computing deviceand/or one or more communication devices and/or secondary communicationdevices. A “user”, as referenced herein, may refer to an entity orindividual that has the ability and/or authorization to access and useone or more resources or portions of a resource. Furthermore, as usedherein, the term “user computing device” or “mobile device” may refer tomobile phones, computing devices, tablet computers, wearable devices,smart devices and/or any portable electronic device capable of receivingand/or storing data therein.

A “user interface” is any device or software that allows a user to inputinformation, such as commands or data, into a device, or that allows thedevice to output information to the user. For example, the userinterface include a graphical user interface (GUI) or an interface toinput computer-executable instructions that direct a processing deviceto carry out specific functions. The user interface typically employscertain input and output devices to input data received from a usersecond user or output data to a user. These input and output devices mayinclude a display, mouse, keyboard, button, touchpad, touch screen,microphone, speaker, LED, light, joystick, switch, buzzer, bell, and/orother user input/output device for communicating with one or more users.

A “system environment”, as used herein, may refer to any informationtechnology platform of an enterprise (e.g., a national or multi-nationalcorporation) and may include a multitude of servers, machines,mainframes, personal computers, network devices, front and back endsystems, database system and/or the like.

Present conventional systems do not allow users to perform interactionson a user device. Typically, a user has to go to an interaction machineto perform one or more interactions and interaction machines may not beavailable at every location making it difficult for the users to performinteractions. Additionally, performing interactions directly on aninteraction machine may not always be secure. After initiating andcompleting an interaction, a user may seek services of a digitalassistant for which the user has to stay at the interaction machine tocomplete the conversation with the digital assistant. Moreover,building, installation, and maintenance of interaction machines can be acostly process. Therefore, there exists a need for a system which allowsthe user to overcome these technical problems. The present inventioneliminates the need for the user to typically go to an interactionmachine to perform interactions, allows the users to performinteractions via a user device, and also allows the user to utilizeexisting interaction machines to perform interactions in a securemanner. The system projects an interaction machine display onto a userdevice and facilitates processing of one or more interactions via a userdevice.

Furthermore, the invention allows for quick updating of software andhardware. Typically, updating interaction machines requires significantbackend updating of hardware, software, and the like. Furthermore, themachines may need to be physically updated at the location. Using theprojection application, this invention may provide quick and efficientupdates to all of the interaction machines instantaneously.

In some embodiments, utilization of the projection application drivesdown opportunity costs of typical ATM machines or the like byelimination of exception processing by allowing for confirmation andclearance of deposits via specific location or user device to preventexceptions in the processing of the deposit.

FIG. 1 provides a block diagram illustrating an environment 100 for aprojection system. As depicted in the embodiment of FIG. 1, theoperating environment 100 may include a projection system 500interacting with an entity system 400, third party entity systems 450,interaction machine 530, dummy interaction machine 550, a user 105, aplurality of users 110, using a network 150. In some embodiments, theprojection system 500 may be maintained by the entity. In someembodiments, the projection system 500 may be a part of the entitysystem 400. In some embodiments, the interaction machine may be owned bythe entity and maintained by a third party. In some embodiments, thedummy interaction machine 550 may be owned and maintained by an entityat a remote location and within any facility owned by the entity. Insome embodiments, the user 105 may be customer of the entity. In someembodiments, the projection system 500 may interact simultaneously witha plurality of users and a plurality of interaction machines 530 anddummy interaction machine 550. The projection system 500 communicateswith all the systems and users as shown in environment 100 via thenetwork 150 to process one or more interactions initiated by the user onany of a plurality of user devices.

The environment 100 also may include the plurality of user devices. Theuser devices may include any machine, apparatus, system or the like thatmay be connected to and communicate with other devices over a network150. At least one of the devices may include a computing device 300,other computing devices 301, and a mobile device 200 for use by the user105 and the plurality of users 110. The computing devices 301 may be anydevice that employs a processor and memory and can perform computingfunctions, such as a computing device 300 or a mobile device 200, thatmay be connected to or access the network 150. The computing device 300may include a personal computer such as a desktop computer, laptopcomputer, tablet or any type of computing device that may be connectedto a network by landline or wireless access such as wireless local areanetwork (WLAN) such as Wi-Fi based on the Institute of Electrical andElectronics Engineers' (IEEE) 802.11 standards, Bluetoothshort-wavelength UHF radio waves in the ISM band from 2.4 to 2.485 GHzor other wireless access technology. As used herein, the mobile device200 may include any mobile communication device, such as a cellulartelecommunications device (i.e., a cell phone or mobile phone), personaldigital assistant (PDA), a mobile Internet accessing device, tabletcomputer, or other mobile device. A mobile device may connect to thenetwork by a cellular telecommunications network or by Wi-Fi, Bluetoothor other access technology.

FIG. 2 provides a block diagram illustrating a user's mobile device 200of FIG. 1 in more detail, in accordance with embodiments of theinvention. In one embodiment of the invention, the mobile device 200 isa mobile telephone. However, it should be understood that a mobiletelephone and the embodiment of the mobile device 200 shown in FIG. 2are merely illustrative of one type of mobile device 200 that maybenefit from, employ, or otherwise be involved with embodiments of thepresent invention and, therefore, should not be taken to limit the scopeof embodiments of the present invention. Other types of mobile devices200 may include portable digital assistants (PDAs), pagers, tablets,mobile televisions, gaming devices, laptop computers, cameras, videorecorders, audio/video player, radio, Global Positioning Systems (GPS)devices, or any combination of the aforementioned. In some embodiments,the mobile device may be a wearable device.

Some embodiments of the mobile device 200 include a processor 210communicably coupled to such devices as a memory 220, user outputdevices 236, user input devices 240, and a network interface 260. Themobile device 200 further includes a power source 215, such as abattery, for powering various circuits and other devices that are usedto operate the mobile device 200. Embodiments of the mobile device 200may also include a clock or other timer 250 configured to determine and,in some cases, communicate actual or relative time to the processor 210or one or more other devices. The processor 210, and other processingdevices described herein, generally include circuitry for implementingcommunication and/or logic functions of the associated device. Forexample, the processor 210 may include a digital signal processordevice, a microprocessor device, and various analog to digitalconverters, digital to analog converters, and/or other support circuits.Control and signal processing functions of the mobile device 200 areallocated between these devices according to their respectivecapabilities. The processor 210 thus may also include the functionalityto encode and interleave messages and data prior to modulation andtransmission. The processor 210 can additionally include an internaldata modem. Further, the processor 210 may include functionality tooperate one or more software programs, which may be stored in the memory220. For example, the processor 210 may be capable of operating aconnectivity program, such as a web browser application 222. The webbrowser application 222 may then allow the mobile device 200 to transmitand receive web content, such as, for example, location-based contentand/or other web page content, according to a Wireless ApplicationProtocol (WAP), Hypertext Transfer Protocol (HTTP), and/or the like. Thememory device 220 may include other applications such as entityapplication 221, projection application 225, e-mail application 224 andSMS application 223. The entity application 221 may be an applicationprovided by the entity system 400 which allows the user to accessinformation associated with one or more resource pools. The projectionapplication 225 may be an application provided by the entity system 400and/or the projection system 500 which allows the user to interact withone or more interaction machines 530 and dummy interaction machine 550to perform one or more interactions.

The processor 210 is configured to use the network interface 260 tocommunicate with one or more other devices on the network 150. In thisregard, the network interface 260 includes an antenna 276 operativelycoupled to a transmitter 274 and a receiver 272 (together a“transceiver”). The processor 210 is configured to provide signals toand receive signals from the transmitter 274 and receiver 272,respectively. The signals may include signaling information inaccordance with the air interface standard of the applicable cellularsystem of the wireless telephone network 152. In this regard, the mobiledevice 200 may be configured to operate with one or more air interfacestandards, communication protocols, modulation types, and access types.By way of illustration, the mobile device 200 may be configured tooperate in accordance with any of a number of first, second, third,and/or fourth-generation communication protocols and/or the like. Forexample, the mobile device 200 may be configured to operate inaccordance with second-generation (2G) wireless communication protocolsIS-136 (time division multiple access (TDMA)), GSM (global system formobile communication), and/or IS-95 (code division multiple access(CDMA)), or with third-generation (3G) wireless communication protocols,such as Consolidated Mobile Telecommunications System (UMTS), CDMA2000,wideband CDMA (WCDMA) and/or time division-synchronous CDMA (TD-SCDMA),with fourth-generation (4G) wireless communication protocols, with LTEprotocols, with 3GPP protocols and/or the like. The mobile device 200may also be configured to operate in accordance with non-cellularcommunication mechanisms, such as via a wireless local area network(WLAN) or other communication/data networks.

The network interface 260 may also include a near field communication(NFC) interface 270. As used herein, the phrase “NFC interface”generally refers to hardware and/or software that is configured tocontactlessly and/or wirelessly send and/or receive information overrelatively short ranges (e.g., within four inches, within three feet,within fifteen feet, and the like). The NFC interface 270 may include asmart card, key card, proximity card, Bluetooth® device, radio frequencyidentification (RFID) tag and/or reader, transmitter, receiver, and/orthe like. In some embodiments, the NFC interface 270 communicatesinformation via radio, infrared (IR), and/or optical transmissions. Insome embodiments, the NFC interface 270 is configured to operate as anNFC transmitter and/or as an NFC receiver (e.g., an NFC reader). Also,it will be understood that the NFC interface 270 may be embedded, built,carried, and/or otherwise supported in and/or on the mobile device 200.In some embodiments, the NFC interface 270 is not supported in and/or onthe mobile device 200, but the NFC interface 270 is otherwiseoperatively connected to the mobile device 200 (e.g., where the NFCinterface 270 is a peripheral device plugged into the mobile device200). Other apparatuses having NFC interfaces mentioned herein may beconfigured similarly. In some embodiments, the NFC interface 270 of themobile device 200 is configured to contactlessly and/or wirelesslycommunicate information to and/or from a corresponding NFC interface ofanother apparatus (e.g., a wearable device or another mobile orcomputing device or an interaction machine). Additionally, the mobiledevice may include a Bluetooth 278 which allows the user to communicatewith an interaction machine 530 when the user within a proximatedistance from the interaction machine 530.

As described above, the mobile device 200 has a user interface that maybe made up of user output devices 236 and/or user input devices 240. Theuser output devices 236 include a display 230 (e.g., a liquid crystaldisplay or the like) and a speaker 232 or other audio device, which areoperatively coupled to the processor 210. The user input devices 240,which allow the mobile device 200 to transmit data, may include any of anumber of devices allowing the mobile device 200 to transmit data, suchas a keypad, keyboard, touch-screen, touchpad, microphone, mouse,joystick, other pointer device, button, soft key, and/or other inputdevice(s). The user interface may also include a camera 280, such as adigital camera.

The mobile device 200 may also include a positioning system device 275that is configured to be used by a positioning system to determine alocation of the mobile device 200. For example, the positioning systemdevice 275 may include a GPS transceiver. In some embodiments, thepositioning system device 275 is at least partially made up of theantenna 276, transmitter 274, and receiver 272 described above. Forexample, in one embodiment, triangulation of cellular signals may beused to identify the approximate location of the mobile device 200. Inother embodiments, the positioning system device 275 includes aproximity sensor or transmitter, such as an RFID tag, that can sense orbe sensed by devices known to be located proximate a location todetermine that the mobile device 200 is located proximate these knowndevices.

The memory 220 is operatively coupled to the processor 210. As usedherein, “memory” or “memory device” includes any computer readablemedium (as defined herein below) configured to store data, code, orother information. The memory 220 may include volatile memory, such asvolatile Random Access Memory (RAM) including a cache area for thetemporary storage of data. The memory 220 may also include non-volatilememory, which can be embedded and/or may be removable. The non-volatilememory can additionally or alternatively include an electricallyerasable programmable read-only memory (EEPROM), flash memory or thelike.

The memory 220 can store any of a number of applications which includecomputer-executable instructions/code executed by the processor 210 toimplement the functions of the mobile device 200 and/or one or more ofthe process/method steps described herein. The memory 220 includes anentity application 221 that may be used to allow communication with anentity system such as the entity system 400 to implement the system ofthe invention. The use of the entity application 221 may facilitateaccess to the system of the invention by providing log-in systemsincluding user authentication systems, account information, systemcontrols or the like. The memory 220 includes a projection application225 that may be used to communicate with the projection system 500. Theentity application 221 and projection application 225 communicate withthe projection system 500 and the entity system 400 to allow the user toset up and/or control the system of the invention. In some embodiments,the entity application 221 and projection application 225 are part of asingle application. For example, the entity application 221 may be anonline banking application and the projection application 225 may be amodule in the online banking application. In some embodiments, whereinthe user is a new customer or a first time user of the entityapplication 221 and when the user installs the entity application 221,the projection application 225 is automatically embedded within theentity application 221.

These applications also typically provide a graphical user interface(GUI) on the display 230 that allows the user 105 to communicate withthe mobile device 200, the entity system 400, the projection system 500,the interaction machine 530, dummy interaction machine 550, and/or otherdevices or systems. The memory 220 can also store any of a number ofpieces of information, and data, used by the mobile device 200 and theapplications and devices that make up the mobile device 200 or are incommunication with the mobile device 200 to implement the functions ofthe mobile device 200 and/or the other systems described herein. Forexample, the memory 220 may include such data as user authenticationinformation. In some embodiments, the memory 220 may include a digitalwallet application which may have information associated with the one ormore resource pools of the user. The projection application 225 mayautomatically use this data along with the other authenticationinformation stored in the memory to authenticate the user to theprojection system 500 and allow the user to perform one or moreinteractions by communicating with the interaction machine 530 and dummyinteraction machine 550.

Referring now to FIG. 3, the computing device 300 also includes variousfeatures, such as a network communication interface 310, a processingdevice 320, a user interface 330, and a memory device 350. The networkcommunication interface 310 includes a device that allows the computingdevice 300 to communicate over the network 150 (shown in FIG. 1). In oneembodiment of the invention, a network browsing application 355 providesfor a user to establish network communication with an entity system 400and projection system 500.

As used herein, a “processor” or “processing device,” such as theprocessing device 320, generally refers to a device or combination ofdevices having circuitry used for implementing the communication and/orlogic functions of a particular system. For example, a processing device320 may include a digital signal processor device, a microprocessordevice, and various analog-to-digital converters, digital-to-analogconverters, and other support circuits and/or combinations of theforegoing. Control and signal processing functions of the system areallocated between these processing devices according to their respectivecapabilities. The processing device 320 may further includefunctionality to operate one or more software programs based oncomputer-executable program code thereof, which may be stored in memorydevice 350. As the phrase is used herein, a processor or processingdevice may be “configured to” perform a certain function in a variety ofways, including, for example, by having one or more general-purposecircuits perform the function by executing particularcomputer-executable program code embodied in computer-readable medium,and/or by having one or more application-specific circuits perform thefunction.

As used herein, a “user interface” generally includes a plurality ofinterface devices and/or software that allow a customer to inputcommands and data to direct the processing device to executeinstructions. For example, the user interface 330 presented in FIG. 3may include a graphical user interface (GUI) or an interface to inputcomputer-executable instructions that direct the processing device 320to carry out specific functions. In one exemplary embodiment of thepresent invention, the graphical user interface may be used by theprojection system 500 to project the interaction machine display ontothe computing device 300. The user 105 may perform interactions by usingone or more options on the interaction machine display without actuallyhaving to be physically present at the interaction machine or the dummyinteraction machine. The user interface 330 employs certain input andoutput devices as previously described with reference to FIGS. 1 and 2.These input and output devices may include a display, mouse, keyboard,button, touchpad, touch screen, microphone, speaker, LED, light,joystick, switch, buzzer, bell, and/or other user input/output devicefor communicating with the entity system 400 and the projection system500.

As used herein, a “memory” or “memory device” generally refers to adevice or combination of devices that store one or more forms ofcomputer-readable media for storing data and/or computer-executableprogram code/instructions. Computer-readable media is defined in greaterdetail below. For example, in one embodiment, the memory device 350includes any computer memory that provides an actual or virtual space totemporarily or permanently store data and/or commands provided to theprocessing device 320 when it carries out its functions describedherein. The memory device 350 may include such applications as aconventional network browsing application 355, an entity application356, a projection application 358 and/or the like. The entityapplication 356 may be used to allow communication with an entitysystem, such as the entity system 400. projection application 358 may beused to allow communication with the projection system 500 and theentity system 400 to implement one or more actions. The other computingdevices 301 as shown in FIG. 1 may include similar system blocks as thecomputing device 300.

FIG. 4 provides a block diagram illustrating the entity system 400, ingreater detail, in accordance with embodiments of the invention. Asillustrated in FIG. 4, in one embodiment of the invention, the entitysystem 400 includes one or more processing devices 420 operativelycoupled to a network communication interface 410 and a memory device450. In certain embodiments, the entity system 400 is operated by anentity, such as a financial institution.

It should be understood that the memory device 450 may include one ormore databases or other data structures/repositories. In one embodimentsof the present invention, the memory device 450 includes data storescomprising information about one or more resource pools associated witha plurality of users associated with the entity. The memory device 450also includes computer-executable program code that instructs theprocessing device 420 to operate the network communication interface 410to perform certain communication functions of the entity system 400described herein. For example, in one embodiment of the entity system400, the memory device 450 includes, but is not limited to, a networkserver application 460, an authentication application 470, user resourcepool data 475, a projection application 480, an entity application 485including a mobile web server application 483, and othercomputer-executable instructions or other data. The computer-executableprogram code of the network server application 460, the authenticationapplication 470, projection application 480, or the entity application485 may instruct the processing device 420 to perform certain logic,data-processing, and data-storing functions of the entity system 400described herein, as well as communication functions of the entitysystem 400. The entity application 485 communicates with the userdevices to facilitate communication between the user and the entity. Theentity application 485 may be a mobile banking application. In oneembodiment, the projection application 480 may be a part of the entityapplication 485.

In one embodiment, the network server application 460, theauthentication application 470, and the entity application 485 areconfigured to invoke or use the customer authentication data stored inthe memory when authenticating a user to the entity system 400. In someembodiments, the projection application 480 allows communication withthe projection system 500. The user resource pool data 475 comprisesinformation of all resource pools of a plurality of users associatedwith the entity managing the entity system 400.

As used herein, a “communication interface” generally includes a modem,server, transceiver, and/or other device for communicating with otherdevices on a network. The network communication interface 410 is acommunication interface having one or more communication devicesconfigured to communicate with one or more other devices on the network150, such as the mobile device 200, the computing device 300, othercomputing devices 301, and projection system 500. The processing device420 is configured to use the network communication interface 410 totransmit and/or receive data and/or commands to and/or from the otherdevices connected to the network 150.

FIG. 5 presents a block diagram illustrating the projection system 500,in accordance with embodiments of the invention. As illustrated in FIG.4, in one embodiment of the invention, the projection system 500includes one or more processing devices 520 operatively coupled to anetwork communication interface 510 and a memory device 550. In certainembodiments, the projection system 500 is operated by an entity, such asa financial institution.

It should be understood that the memory device 550 may include one ormore databases or other data structures/repositories. The memory device550 also includes computer-executable program code that instructs theprocessing device 520 to operate the network communication interface 510to perform certain communication functions of the projection system 500described herein. For example, in one embodiment of the projectionsystem 500, the memory device 550 includes, but is not limited to, anetwork server application 570, an authentication application 560, adata acquisition application 575, a projection application 580, adigital assistant application 585, a data store 595 and an entityapplication 590 including a web server application 593, and othercomputer-executable instructions or other data. The computer-executableprogram code of the network server application 570, the authenticationapplication 560, the data acquisition application 575, the projectionapplication 580, the digital assistant application 585, the entityapplication 590, or the web server application 593 may instruct theprocessing device 520 to perform certain logic, data-processing, anddata-storing functions of the projection system 500 described herein, aswell as communication functions of the projection system 500. In someembodiments, the entity application 590 and the projection application580 may be part of the same application. The data acquisitionapplication 575 communicates with the entity system 400 via the entityapplication 590 to extract resource pool data associated with aplurality of users. Additionally, the data acquisition application 575may extract authentication information associated with the resourcepools of the user. The projection application 580 or the entityapplication 590 communicate with the entity application 221 or theprojection application 225 in the mobile device 200 and entityapplication 356 or projection application 358 in the computing device300 to facilitate one or more steps in the process flows describedherein. The digital assistant application 585 is an intelligence enginewhich provides information associated with one or more servicesassociated with the entity system 400 and the projection system 500. Thedata store 595 may comprise user profiles which include data associatedwith screen customizations or display customizations associated with aplurality of users 110 and the user 105. The screen or displaycustomizations are arrangement of one or more options associated withthe interaction machine display which is projected on the user device.For example, the user may customize the arrange the one or more optionsaccording to his/her preferences and may submit it to the system. Thesystem 500 extracts this information every time a user accesses or logsin to the projection application 225 to perform one or more interactionsand projects the saved customizations associated with the interactionmachine display onto the mobile device 200.

As used herein, a “communication interface” generally includes a modem,server, transceiver, and/or other device for communicating with otherdevices on a network. The network communication interface 510 is acommunication interface having one or more communication devicesconfigured to communicate with one or more other devices on the network150, such as the interaction machine 530, dummy interaction machine 550,entity system 400, third party entity systems 450, mobile device 200,the computing device 300, and/or other computing devices 301. Theprocessing device 520 is configured to use the network communicationinterface 510 to transmit and/or receive data and/or commands to and/orfrom the other devices connected to the network 150.

Furthermore, as used herein, a “memory device” generally refers to adevice or combination of devices that store one or more forms ofcomputer-readable media and/or computer-executable programcode/instructions. Computer-readable media is defined in greater detailbelow. For example, in one embodiment, the memory device 550 includesany computer memory that provides an actual or virtual space totemporarily or permanently store data and/or commands provided to theprocessing device 520 when it carries out its functions describedherein.

The interaction machine 530 is an Automated Teller Machine used toperform interactions and may comprise processing devices, a networkcommunication interface including NFC and a Bluetooth, a memory, andinput and output devices including keypad, mouse, keyboard, button,touchpad, touch screen, microphone, speaker, LED, light, joystick,switch, buzzer, bell, and/or the like, a cash dispenser, deposit slot,card reader, receipt printer and/or the like. The user may access theinteraction machine display via the projection application 225 onhis/her mobile device and perform interactions including makingpayments, withdrawal of cash, deposit of check, and/or the like usingthe one or more options present on the interaction machine display.After initiating and/or the completing the interaction, the user mayphysically interact with the interaction machine to take cash from thecash dispenser or receipt from the receipt printer and to deposit checkor cash using the deposit slot. This allows the user to securely performone or more interactions and also allows the user to initiate one ormore interactions before reaching the interaction machine. For example,the user may be in a retail store which is located few feet away fromthe interaction machine and the user may communicate with theinteraction machine, via the projection application, to initiatewithdrawal of resources. Additionally, the user may choose to pick-upthe resources in the retail store or at the interaction machine at aspecific time. The projection system 500 facilitates communicationbetween the mobile device 200 and the interaction machine 530.

The dummy interaction machine 550 is a remote Automated Teller Machinelocated in any of the facilities associated with the entity. The dummyinteraction machine 550 comprises at least a processing device, networkcommunication interface, and a memory device. The projection system 500allows a user to access the dummy interaction machine 550 from anylocation to perform one or more interactions including making payments,withdrawal of cash, deposit of check, and/or the like without having tobe physically present at the dummy interaction machine 550 or theinteraction machine 530. The process of performing interactions via theprojection system is explained in greater detail below.

FIG. 6 presents a process flow 600 for projecting an interaction machineinterface onto a user device to facilitate processing of one or moreinteractions via the mobile device, in accordance with embodiments ofthe present invention. As shown in block 610, the system receives atrigger from a user device to access an interaction machine via theprojection application on the user device. For example, as soon as theuser opens the projection application 225 or the projection application358 from the mobile device 200 or the computing device 300, theprojection application automatically transmits a trigger to theprojection system 500. In some embodiments, the interaction machine maybe an actual Automated Teller Machine. In some embodiments, theinteraction machine may be the dummy interaction machine 550. In someembodiments, the user may choose either an interaction machine option530 or the dummy interaction machine option 550 after accessing theprojection application based on the proximity to the actual interactionmachine 530. In alternate embodiments, in response to receiving thetrigger from the user device, the system automatically identifies thelocation of the user and determines all available interaction machineswithin a predetermine distance and displays the available interactionmachines to the user via the projection application. The user may eitherselect any of the available interaction machines or may choose to usethe dummy interaction machine based on the proximity to the availableinteraction machines.

Next, as shown in block 620, the system in response to receiving thetrigger, authenticates the user device via a customized authenticationmethod. The user may set up a customized authentication method afterinstalling the projection application on the user device. Every time theuser accesses the projection application, the projection systemauthenticates the user via the customized authentication method storedin a profile associated with the user. The authentication methods mayinclude any of the available authentication methods and the systemallows the user to customize the authentication methods used whileaccessing an actual interaction terminal and a dummy interactionterminal. For example, the user may choose Bluetooth authentication orNFC authentication for accessing a dummy interaction machine 550 and aunique device authentication for accessing an interaction machine 530.The system may identify the type of interaction machine the user istrying to access and authenticate the user device using the associatedcustomized authentication method. As shown in block 630, the systemidentifies that the authentication is successful and establishes acommunication link between the user device and the interaction machine.

As shown in block 640, the system transmits control signals to the userdevice, via the projection application, to project interaction machinedisplay onto the user device, wherein the interaction machine displaycomprises one or more options to perform interactions, wherein the oneor more options are displayed based on customizations saved in a userprofile. The one or more options may include deposit, withdrawal,transfer of resources, and/or the like. The system may receive thecustomizations associated with the display of the one or more options onthe interaction machine display, via the projection application. Inresponse to receiving the customizations from the user, the systemstores the customizations associated with the display of the one or moreoptions in the user profile associated with the user. For example, theuser may choose to perform only withdrawal of resources using theprojection application and the user may customize the interactionmachine display to show only the option of withdrawal of resources whileprojecting the interaction machine display onto the user device.

In some embodiments, the user may be an individual user or a large thirdparty entity. In an embodiment, wherein the user is a large third partyentity with a plurality of employees, there may be multiple employeeprofiles associated with the profile of the large third party entity andeach of the employee profiles may have customizations associated withthe display of the one or more options. For example, Employee ‘A’ mayhave authorization only to deposit resources and Employee ‘B’ may haveauthorization only to withdraw resources. Based on the employee id, thesystem may project the interaction machine display with associatedcustomizations linked with an employee profile. Additionally, havingindividual profiles for a plurality of employees under the profile ofthe large third party entity allows the system and the third partyentity to track interactions.

As shown in block 650, the system receives an interaction request fromthe user device via the interaction machine display and the projectionapplication. For example, the system after establishing a communicationlink between the user device and the dummy interaction machine, mayreceive an interaction request associated with withdrawal of resourcesvia the interaction machine display projected onto the mobile device. Inother words, the user may select the option “withdrawal” from the one ormore options present on the interaction machine display and submit it tothe system via the projection application. In some embodiments, thesystem may receive specific instructions associated with the withdrawalof resources. Specific instructions may include a pick-up locationassociated with the withdrawal of resources. For example, the user mayinitiate the interaction associated with withdrawal of resources and maychoose an alternate location such as a third party entity location topick-up the resources.

As shown in block 660, the system processes and completes theinteraction request received from the user device. In an exemplaryembodiment, wherein the interaction is transfer of resources, the systemprocesses the interaction request and transfers the resources from thedesignated resource pool of the user to the recipient. In anotherexemplary embodiment, wherein the interaction is withdrawal ofresources, the system identifies a pick-up location associated with thewithdrawal of resources. In one example, wherein the pick-up location isa third party entity location, the system communicates with a thirdparty entity system associated with the pick-up location and transfersthe resources from resource pool of the user to the third party entitysystem. In response to transferring the resources to the third partyentity system, the system generates a code such as a QR code anddisplays it on the projected interaction terminal display. The userpresents the QR code to third party system and collects the resourcesassociated with the interaction. In another example, wherein the pick-uplocation is an interaction machine and the system may generate a QR codeassociated with the interaction request and display it on theinteraction machine display projected onto the mobile device. The usermay scan the QR code at the pick-up location to collect the resourcesassociated with the interaction. The system allows a user to performmultiple interactions in one session and simultaneously communicates andprocesses interaction requests received from the plurality of users. Thesystem may also communicate with other financial institution servers toprocess interaction requests associated with resource pools managed bythe other institution servers. For example, a user who may or may not bea customer of the entity, may own accounts which are managed by otherfinancial institutions. The system facilitates processing of interactionrequests associated with the accounts which are managed by otherfinancial institutions.

Using the invention allows for quick updating of software and hardware.Typically, updating interaction machines requires significant backendupdating of hardware, software, and the like. Furthermore, the machinesmay need to be physically updated at the location. Using the projectionapplication, this invention may provide quick and efficient updates toall of the interaction machines instantaneously. Furthermore utilizationof the projection application drives down opportunity costs of typicalATM machines or the like by elimination of exception processing byallowing for confirmation and clearance of deposits via specificlocation or user device to prevent exceptions in the processing of thedeposit.

As will be appreciated by one of skill in the art, the present inventionmay be embodied as a method (including, for example, acomputer-implemented process, a business process, and/or any otherprocess), apparatus (including, for example, a system, machine, device,computer program product, and/or the like), or a combination of theforegoing. Accordingly, embodiments of the present invention may takethe form of an entirely hardware embodiment, an entirely softwareembodiment (including firmware, resident software, micro-code, and thelike), or an embodiment combining software and hardware aspects that maygenerally be referred to herein as a “system.” Furthermore, embodimentsof the present invention may take the form of a computer program producton a computer-readable medium having computer-executable program codeembodied in the medium.

Any suitable transitory or non-transitory computer readable medium maybe utilized. The computer readable medium may be, for example but notlimited to, an electronic, magnetic, optical, electromagnetic, infrared,or semiconductor system, apparatus, or device. More specific examples ofthe computer readable medium include, but are not limited to, thefollowing: an electrical connection having one or more wires; a tangiblestorage medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), or other optical or magnetic storage device.

In the context of this document, a computer readable medium may be anymedium that can contain, store, communicate, or transport the programfor use by or in connection with the instruction execution system,apparatus, or device. The computer usable program code may betransmitted using any appropriate medium, including but not limited tothe Internet, wireline, optical fiber cable, radio frequency (RF)signals, or other mediums.

Computer-executable program code for carrying out operations ofembodiments of the present invention may be written in an objectoriented, scripted or unscripted programming language. However, thecomputer program code for carrying out operations of embodiments of thepresent invention may also be written in conventional proceduralprogramming languages, such as the “C” programming language or similarprogramming languages.

Embodiments of the present invention are described above with referenceto flowchart illustrations and/or block diagrams of methods, apparatus(systems), and computer program products. It will be understood thateach block of the flowchart illustrations and/or block diagrams, and/orcombinations of blocks in the flowchart illustrations and/or blockdiagrams, can be implemented by computer-executable program codeportions. These computer-executable program code portions may beprovided to a processor of a general purpose computer, special purposecomputer, or other programmable data processing apparatus to produce aparticular machine, such that the code portions, which execute via theprocessor of the computer or other programmable data processingapparatus, create mechanisms for implementing the functions/actsspecified in the flowchart and/or block diagram block or blocks.

These computer-executable program code portions may also be stored in acomputer-readable memory that can direct a computer or otherprogrammable data processing apparatus to function in a particularmanner, such that the code portions stored in the computer readablememory produce an article of manufacture including instructionmechanisms which implement the function/act specified in the flowchartand/or block diagram block(s).

The computer-executable program code may also be loaded onto a computeror other programmable data processing apparatus to cause a series ofoperational steps to be performed on the computer or other programmableapparatus to produce a computer-implemented process such that the codeportions which execute on the computer or other programmable apparatusprovide steps for implementing the functions/acts specified in theflowchart and/or block diagram block(s). Alternatively, computer programimplemented steps or acts may be combined with operator or humanimplemented steps or acts in order to carry out an embodiment of theinvention.

As the phrase is used herein, a processor may be “configured to” performa certain function in a variety of ways, including, for example, byhaving one or more general-purpose circuits perform the function byexecuting particular computer-executable program code embodied incomputer-readable medium, and/or by having one or moreapplication-specific circuits perform the function.

Embodiments of the present invention are described above with referenceto flowcharts and/or block diagrams. It will be understood that steps ofthe processes described herein may be performed in orders different thanthose illustrated in the flowcharts. In other words, the processesrepresented by the blocks of a flowchart may, in some embodiments, be inperformed in an order other that the order illustrated, may be combinedor divided, or may be performed simultaneously. It will also beunderstood that the blocks of the block diagrams illustrated, in someembodiments, merely conceptual delineations between systems and one ormore of the systems illustrated by a block in the block diagrams may becombined or share hardware and/or software with another one or more ofthe systems illustrated by a block in the block diagrams. Likewise, adevice, system, apparatus, and/or the like may be made up of one or moredevices, systems, apparatuses, and/or the like. For example, where aprocessor is illustrated or described herein, the processor may be madeup of a plurality of microprocessors or other processing devices whichmay or may not be coupled to one another. Likewise, where a memory isillustrated or described herein, the memory may be made up of aplurality of memory devices which may or may not be coupled to oneanother.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of, and not restrictive on, the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

What is claimed is:
 1. A system for projecting an interaction machineinterface used for performing interactions onto a user device, thesystem comprising: one or more memory devices having computer readablecode stored thereon; one or more processing devices operatively coupledto the one or more memory devices, wherein the one or more processingdevices are configured to execute the computer readable code to: receivea trigger from a user device of a user to access a remote interactionmachine via a projection application, wherein the remote interactionmachine is accessed by a plurality of users simultaneously via theprojection application installed on a plurality of user devicesassociated with the plurality of users; in response to receiving thetrigger, authenticate the user device via a customized authenticationmethod; in response to successful authentication, establish acommunication link between the remote interaction machine and the userdevice; transmit control signals to the user device, via the projectionapplication, to project a remote interaction machine display onto theuser device, wherein the remote interaction machine display comprisesone or more options to perform interactions, wherein the one or moreoptions are displayed based on customizations saved in a user profile;receive an interaction request from the user device via the remoteinteraction machine display and the projection application, wherein theinteraction request is associated with withdrawal of resources; receive,from the user device, a pick-up location associated with the withdrawalof the resources, wherein the pick-up location is associated with afirst interaction machine, wherein the first interaction machine isdifferent from the remote interaction machine; process the interactionrequest received from the user device; and in response to processing theinteraction request, generate a QR code and display it on the remoteinteraction machine display, wherein the QR code is scannable at thefirst interaction machine for collecting the resources associated withthe interaction request.
 2. The system of claim 1, wherein the one ormore processing devices are configured to execute the computer readablecode to: receive the customizations associated with display of the oneor more options on the remote interaction machine display from the userdevice; and store the customizations associated with display of the oneor more options in the user profile associated with the user.
 3. Thesystem of claim 1, wherein the one or more processing devices areconfigured to execute the computer readable code to: in response toreceiving the pick-up location, initiate transfer of the resources froma resource pool of the user to a third party entity system associatedwith the pick-up location.
 4. The system of claim 1, wherein the remoteinteraction machine is a remote Automated Teller Machine.
 5. The systemof claim 1, wherein the pick-up location is a retail store.
 6. Thesystem of claim 1, wherein the pick-up location is a third party entitylocation.
 7. A computer program product for projecting an interactionmachine interface used for performing interactions onto a user device,the computer program product comprising at least one non-transitorycomputer readable medium comprises computer readable instructions for:receiving a trigger from a user device of a user to access a remoteinteraction machine via a projection application, wherein the remoteinteraction machine is accessed by a plurality of users simultaneouslyvia the projection application installed on a plurality of user devicesassociated with the plurality of users; in response to receiving thetrigger, authenticating the user device via a customized authenticationmethod; in response to successful authentication, establishing acommunication link between the remote interaction machine and the userdevice; transmitting control signals to the user device, via theprojection application, to project a remote interaction machine displayonto the user device, wherein the remote interaction machine displaycomprises one or more options to perform interactions, wherein the oneor more options are displayed based on customizations saved in a userprofile; receiving an interaction request from the user device via theremote interaction machine display and the projection application,wherein the interaction request is associated with withdrawal ofresources; receiving, from the user device, a pick-up locationassociated with the withdrawal of the resources, wherein the pick-uplocation is associated with a first interaction machine, wherein thefirst interaction machine is different from the remote interactionmachine; processing the interaction request received from the userdevice; and in response to processing the interaction request,generating a QR code and display it on the remote interaction machinedisplay, wherein the QR code is scannable at the first interactionmachine for collecting the resources associated with the interactionrequest.
 8. The computer program product of claim 7, wherein thecomputer program product comprising the at least one non-transitorycomputer readable medium further comprises computer readableinstructions for: receiving the customizations associated with displayof the one or more options on the remote interaction machine displayfrom the user device; and storing the customizations associated withdisplay of the one or more options in the user profile associated withthe user.
 9. The computer program product of claim 7, wherein thecomputer program product comprising the at least one non-transitorycomputer readable medium further comprises computer readableinstructions for: in response to receiving the pick-up location,initiating transfer of the resources from a resource pool of the user toa third party entity system associated with the pick-up location. 10.The computer program product of claim 7, wherein the remote interactionmachine is a remote Automated Teller Machine.
 11. The computer programproduct of claim 7, wherein the pick-up location is a retail store. 12.The computer program product of claim 7, wherein the pick-up location isa third party entity location.
 13. A computer implemented method forprojecting an interaction machine interface used for performinginteractions onto a user device, the method comprises: receiving atrigger from a user device of a user to access a remote interactionmachine via a projection application, wherein the remote interactionmachine is accessed by a plurality of users simultaneously via theprojection application installed on a plurality of user devicesassociated with the plurality of users; in response to receiving thetrigger, authenticating the user device via a customized authenticationmethod; in response to successful authentication, establishing acommunication link between the remote interaction machine and the userdevice; transmitting control signals to the user device, via theprojection application, to project a remote interaction machine displayonto the user device, wherein the remote interaction machine displaycomprises one or more options to perform interactions, wherein the oneor more options are displayed based on customizations saved in a userprofile; receiving an interaction request from the user device via theremote interaction machine display and the projection application,wherein the interaction request is associated with withdrawal ofresources; receiving, from the user device, a pick-up locationassociated with the withdrawal of the resources, wherein the pick-uplocation is associated with a first interaction machine, wherein thefirst interaction machine is different from the remote interactionmachine; processing the interaction request received from the userdevice; and in response to processing the interaction request,generating a QR code and display it on the remote interaction machinedisplay, wherein the QR code is scannable at the first interactionmachine for collecting the resources associated with the interactionrequest.
 14. The computer implemented method of claim 13, wherein thecomputer implemented method further comprises: receiving thecustomizations associated with display of the one or more options on theremote interaction machine display from the user device; and storing thecustomizations associated with display of the one or more options in theuser profile associated with the user.
 15. The computer implementedmethod of claim 13, wherein the computer implemented method furthercomprises: in response to receiving the pick-up location, initiatingtransfer of the resources from a resource pool of the user to a thirdparty entity system associated with the pick-up location device.
 16. Thecomputer implemented method of claim 13, wherein the pick-up location isa retail store.
 17. The computer implemented method of claim 13, whereinthe pick-up location is a third party entity location.